Kenton County property record for 427 Division St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,407 sqft · built 1980 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (May 2025) |
| Tax Bill | $1,934 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-17-009.00 |
| Primary APN | 003-30-17-009.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,407 sqft Finished Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 118 ft deep x 60 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 427 DIVISION ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PHEASANT GROVE BLK 6 LOT 9 RESUB 9-10-11 |
| Legal Subdivision | PHEASANT GROVE |
| Legal Phase | 6 |
| Legal Block | 6 |
| Legal Lot Number | 9 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 64400 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 427 DIVISION ST, ERLANGER, KY 41018-1406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| May 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK |
| Feb 18, 2019 | Warranty Deed, Transfer · Conventional with PMI OTHER INSTITUTIONAL LENDERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2025 · Amount on Record |
| Deed Sale | May 27, 2025 · Amount on Record |
| Prior Sale | Feb 18, 2019 · Amount on Record |
| Deed Document Number | 202589 |
| Deed Book / Page | 344 / 511 |
| Prior Transfer Date | Sep 25, 2008 |
| Prior Transfer Doc | 0930059001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 427 DIVISION ST, ERLANGER, KY 41018-1406 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900041 |
|---|---|
| Date | May 28, 2021 |
| Book Page | 221/719 |
| Instrument | 21052805900041 |
| Name | HEARTLAND BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43213 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 18, 2019 |
| Property Address | 427 DIVISION ST, ERLANGER, KY 41018-1406 |
| Document Number | 0000000020 |
| Book / Page | 0C6601 / 000349 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 20 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $118.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 HIGHLAND MEADOWS CIR #9 HIGHLAND HEIGHTS KY 410763743, 9, HIGHLAND HEIGHTS, KY 41076-3743 |
| Document Number | 21 |
|---|---|
| Date | Feb 18, 2019 |
| Book Page | 0C6602/000001 |
| Instrument | 21 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 17, 2049 |
| Document Number | 23, |
|---|---|
| Date | Feb 18, 2019 |
| Book Page | 0C6602/000017 |
| Instrument | 23 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 17, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 12% |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Erlanger City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $210,000 (+43.15%) Land $25,000 Building $185,000 | $210,000 (+43.15%) Land $25,000 Building $185,000 | |
| 2025 | $1,934.00 (+1.52%) | $146,700 (-) Land $25,000 Building $121,700 | $146,700 (-) Land $25,000 Building $121,700 |
| 2023 | $1,905.00 | $146,700 Land $25,000 Building $121,700 | $146,700 Land $25,000 Building $121,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 479 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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